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We do not have any policy exclusions or small print that invalidates cover for travel to a country that is subject to a ‘do not travel advisory’ for either security concerns or COVID-19, such as amber or red travel watch lists See FAQ


For Emergency Assistance:

If you are sick or injured abroad and need medical assistance, for example, a hospital referral to an approved network provider; or in the event of a serious incident, such as a natural disaster, political unrest, unlawful detainment, kidnapping or death, please contact us as soon as reasonably practical to do so.

It is imperative that authorisation is obtained prior to any medical treatment and/or evacuation/repatriation taking place.

Due to poor telephone signal connections which can happen around the world, we recommend where possible that you contact us via email to avoid any unnecessary delays and a member of our 24/7 assistance team will respond promptly.

24/7 Assistance Email:

If it is not possible to send an email, you can call +44 (0)20 8089 3735 from anywhere in the world.

When contacting us, please note that the following details must be provided:

  • The Policy Number
  • The Insured Person’s Name
  • The Insured Person’s Location
  • The Insured Person’s Date of Birth
  • Policy Holder’s Name (if different to Insured Person’s Name)
  • Nature of the Incident
  • Next of Kin (if applicable)
  • If medical treatment has commenced, the name of the medical facility and their contact details.
  • Any other relevant information that may affect our response

Medical Assistance and Incident Response is provided by Inherent Risks.

For Non-Emergency Claims:

There are different reasons why you might need to get in touch about your insurance with Hotspot Cover.

Once you have sent all of the necessary documents, we will promptly process and assess your claim. All approved claims payments are typically made within 5 to 10 working days. Don’t worry, we’ll let you know if we need any further information or documents to help process your claim.

Please include your Policy Number when contacting us. You can find this on your Certificate of Insurance, which was emailed to you on the day you purchased your policy.

We also offer a live chat service on our website during business hours. Go to and click the WhatsApp icon at the bottom right of your screen.

To help us assist you, it’s important that you:

  • Have your policy number handy
  • Understand what’s covered
  • Keep receipts and medical records
  • Keep reports from police, officials, airlines
  • Quote "HOTSPOT" to our operators so they know you have a policy with us.

Understand your cover

Conditions and exclusions apply to every cover level and optional pack. View our Policy wording for full details. Sub-limits apply. Not sure? Our friendly team are here to help. Get in touch

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